Smart Financial Houston, TX · Charter 67927 · Peer group: credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=62-63)
NCUA · 12 branches
Q2 2026
$807.5M Assets
$586.1M Loans
$700.6M Shares
$95.6M Net Worth
Executive Summary Strongest standing: return on equity outperforms 89% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 7 of 62). Widest gap: nonperforming loans / loans trails 67% of credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 43 of 63). Overall: at or above the peer median on 4 of 7 directional measures. Return on Assets
1.20%
Rank 14 of 63
Net Interest Margin
4.66%
Rank 23 of 63
Efficiency Ratio
72.55%
Rank 16 of 63
Equity / Assets
11.84%
Rank 39 of 63
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 1.20% 0.11% 0.53% 1.19% Beats 78% 14 / 63 Return on Equity 10.15% 1.09% 3.60% 6.92% Beats 89% 7 / 62 Net Interest Margin 4.66% 3.19% 4.06% 4.80% Beats 63% 23 / 63 Efficiency Ratio 72.55% 72.55% 82.57% 90.97% Beats 76% 16 / 63 Asset Quality Nonperforming Loans / Loans 1.16% 0.32% 0.64% 1.62% Beats 33% 43 / 63 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 11.84% 10.13% 12.81% 19.70% Beats 38% 39 / 63 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 11.84% 10.13% 12.81% 19.70% Beats 38% 39 / 63 Liquidity & Funding Loans / Deposits 83.66% 55.42% 71.20% 87.46% 67th pctl 21 / 63 Loans / Assets 72.58% 48.43% 59.68% 73.12% 73rd pctl 17 / 63 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Houston-Pasadena-The Woodlands, TX area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure (62 to 63 here). Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11